The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$10,002
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,313
−HK$316/mo
Today · 4.125%
HK$10,629
baseline
▲ 0.50% · 4.625%
HK$11,275
+HK$646/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,258/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,127
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,425
−HK$303/mo
Today · 4.125%
HK$11,728
baseline
▲ 0.50% · 4.625%
HK$12,346
+HK$618/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,456/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,002
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,375
−HK$379/mo
Today · 4.125%
HK$12,754
baseline
▲ 0.50% · 4.625%
HK$13,531
+HK$777/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,508/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,352
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,710
−HK$363/mo
Today · 4.125%
HK$14,073
baseline
▲ 0.50% · 4.625%
HK$14,815
+HK$742/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,146/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,002
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,438
−HK$442/mo
Today · 4.125%
HK$14,880
baseline
▲ 0.50% · 4.625%
HK$15,786
+HK$906/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$29,760/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,577
−HK$842/mo
▼ 0.25% · 3.875%
HK$15,995
−HK$424/mo
Today · 4.125%
HK$16,419
baseline
▲ 0.50% · 4.625%
HK$17,284
+HK$865/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$32,838/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,003
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,563
−HK$569/mo
Today · 4.125%
HK$19,132
baseline
▲ 0.50% · 4.625%
HK$20,296
+HK$1,164/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$38,264/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,028
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,565
−HK$545/mo
Today · 4.125%
HK$21,110
baseline
▲ 0.50% · 4.625%
HK$22,223
+HK$1,113/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$42,220/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,793 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).